The real costs are not even visible, the iceberg of debt is killing other risky behavior (like entrepreneurship). You do not build a company in a garage, if you

The real costs are not even visible, the iceberg of debt is killing other risky behavior (like entrepreneurship). You do not build a company in a garage, if you are already in to your chin with debt. Any risky move, be it political or in your job, will be well thought through and in doubt, be aborted, because you "know" where risky decisions get you.